Lost My All My Savings/Money in StockMarket. and CFDs

I am 40year old with family, I lost recently all my savings in stock market. Not sure what to do ..I do not have any money in my bank account and have borrowed against my house as well.. I was in very well position just few months back when I was not doing stock. Feeling lonely and depressed … My family still supporting me but its getting very difficult for me to live normally….It will take another 7-8 year more for me come back into same position where I was few months back..
Just thought of sharing my story to get some relief…


    • +3

      Surely CFDs/Shares loss aren't tax deductible against your PAYG income. It only offsets your future capital gain.

      • +3

        I believe what you say is incorrect.

        I have previously lost tens of thousands in CFDs and deducted it against PAYG income.

        Please go to the ATO website and have a read of the rulings yourself - a gain from CFDs is NOT a capital gain, rather it is income of nature.

        • +4

          Read it and you're right!

    • +1

      I believe the UK does tax gambling wins.

      • The UK does not tax gambling wins.
        Perhaps you are mistaken with the USA which most certainly does.
        UK is very similar position to Australia - no tax on gambling wins unless you are in the "business of gambling" and very few non-bookmakers can pass this test.

        • +2

          I know this with some authority as I had a 4 year tax battle with the ATO over this very issue so understand this part of the law quite well.

        • -1

          @maraco: it cost you a lot of money if you have battle with ATO

    • If op can use this, it would save years in his savings

  • If the bank isn't coming after you, and you are disappointed by being set back a few years, don't beat yourself up over it. Take it as a very expensive lesson and move on. You're very much more equipped than you were before your recent experience, and the lesson isn't just directly related to the experience. In other words, the lessons isn't purely about "not gambling". It's about caution and acting on sound assessment.

    If you've sunk more than you have/can afford, that's a different matter. That's a very serious problem and you'd be wise to consult an accountant to consolidate your assets. I'd leave it at that as anything else is falls into the realm of financial advise and that's something you really cannot afford to make further mistakes in. The important thing here is - consolidate your assets -

  • +1

    My condolences, I thought I was unlucky when I was fined $217 for having my feet up on the seat of the Metlink train (first time offence, I did not know that it was an offence). Hope you can get back on you feet.

  • +6

    So you're 40 and now have a mortgage and live week to week. There are thousands of people in exactly the same boat, and you, along with them, will come out of it at the other end.

    Although you were in a better position until recently, it's nothing to beat yourself up over. You have a family that is obviously your real wealth. If they can accept that you've done the wrong thing and are prepared to move on from there, it wouldn't be right of you to return their love and compassion by refusing to do the same thing yourself.

    Please please please just don't try and fast track your financial recovery with further risky behaviour. If you feel the urge to do so, please seek help. I suspect by the fact that you have posted here though, that the risk of this happening is fairly slim.

    • +34

      No mate, am still here and reading each and every comments. .

      • +4

        DB318 I can completely understand what you could be going through, as I lost my 2-3 years savings in 2 days in forex. I am still trying to recover from it. Make sure you speak to someone who understands. It only delays what you wanted to do with the money.
        Loss of money isn't the worst thing to happen. Imagine how people lose lives and houses due to natural disasters or terrorist attacks without any of their faults.

      • +7

        me myself lost around 70k in margin lending, investing it a month before the GFC. I regretted my decision, money that could have been used for house deposit etc etc.
        But decided that i should accept that, so try doing that and slowly move on. Sometimes it will still hurt if you think about it, but if you work hard and be positive it will turn out ok for you. Hope that helps!

  • Did you have a financial adviser suggest this to you or guide you through this?

  • -1

    I always said this to myself. Don't let a number control your life.

    But in the end, the number and greed always got to me and always wanted to make more than what I make.

    But try to never let a number control our life.

    Its sad that the whole world relies on a number.

    But if you are really depressed, then I suggest you try and get a prescription for weed. That stuff really relaxes/calm you down for a moment if you really need to.

  • Sorry to have heard that. I always believe the stock market is one big money transfer from people like us to the very rich who have plenty of resources to get received news well before us. They are at a much advantage position and I have refused to play big in that arena. I will stick with the like of Telstra and CBA. Less risk with less return.

    • Be careful with those two - especially CBA. They've had good runs, but its great to be diversified.

  • +1

    I was in a similar situation many years ago, but at the time I was single. I don't do stock/options/futures anymore. I find it a form of gambling.

      • +3

        Do you understand derivative products? That statement is plausible.

  • +1

    how much was lost?

  • Interesting to see how many other people have had a similar situation.
    I took it as a life lesson at the time and I look at things a lot differently now, so in some sense i'm actually glad it happened!

    Hope you make a swift recovery from this, if not financially at least mentally mate

    • +2

      Imagine half of the population is going through this life lesson. Think of all the money transfer from the poor to the rich. I know a few friends who have paid to learn how to make a living out of stock market by way of trend lines, and foreign currency exchange. LOL, if it works, these teachers will not need to supplement their income from teaching.

  • +5

    I sympathise with your situation. It seems like you are back to square one, Pretty much like the rest of us, working and having a large mortgage over our head.
    It is obvious that you are smart enough to have previously paid off your home.
    You should now focus on the things you have done previously that were successful.

    I would also recommend if you feel depressed and anxious to see some professional help.



  • +1


    Firstly, i do feel for you OP, am very sorry to hear about your circumstances and am very glad that you have a supportive family. After all, this is what really counts.

    I have been trading for nearly 10 years and never been happier with it. Just as a general advice/ knowledge for everyone out there who is looking at doing some online trading:
    - If you don't know what you're doing, then you'll practically be gambling as it can be an extremely risky business for the untrained eye.

    If you do wish to get into trading, this is what i would suggest:
    - Get proper training (and am not talking about depending on Google) even if you had to pay good money for it.
    (But be careful too of all the scammers out there)
    - Never ever invest real money unless you've proven your worth whilst paper trading (demo account)
    - The main ingredient to a successful trading career: money management.

    Good luck everyone and feel free PM me if you had any questions.

    Op, again, am very sorry to hear about your crisis there and I didn't mean to "take the lime light" I just wanted to educate our fellow ozbarginers as i have seen way too many people go down that track the wrong way.

    FYI, i don't know if this would make you feel better, but there are lots and lots of people out there who lost all their capital and lots of companies that are facing foreclosure since the Swiss frank havoc last Thursday.

  • +6

    OP. I lost 60k+ in shares too when I first entered the market.

    I could have used it as my home deposit but didn't, I learned from my mistake and did better and more conservative when I re entered the market and have been doing well since.

    I hope you pull through.

  • All the best, I hope you recover soon!

  • Think positive - you're at the lowest point, things can only go better from now on. It's all about the mindset, with a supportive family you can surely make it back up.

  • +3

    my family member lost $500k on cfd, and he lost his marriage as well as the wife can't coupe with the husband gambling addiction.

    my husband was worked with one of the cfd company, and he said that this cfd company no different than online casino and the worst part is, online casino you lost with amount that you bet, with cfd you can lost more than what you put as collateral.

    i m not sure how asic regulated this market, when USA regulator try to limit retail investor on this market, but ausie regulator see different way.

    good luck for your future mate

    • I have opened my case with FOS see if they can do any thing. .wanted to know why these CFD companies allowing people to trading more then their limits..or why don't these companies are setting up the limits for the investors.

      • as what i said before, they are market maker, in casino they call they are the banker/ house and you are the player. how they make money and pay their commission when the client lost their money. if you makes money, they will shut down their store

      • +2

        Very recent article on how CFD companies are making money from their clients. http://www.smh.com.au/business/markets/the-dark-underworld-o...

        I have tried "trading" currency with CFD before. The highly leveraged nature of CFD combined with volatile movements of FX were not a good combination and soon realised it is certainly not the way to earn money for me. It may be suitable for others that are risk seeking but for me I stick to earning my living the good old fashion way (a job), living in my own property and invest in blue chip shares. Nothing in this world is without risk but you decide on how much risk you can take.

        As what everyone else is saying, it's very cliche but do appreciate what you have especially your family and focus less on regreting what you have lost. Hoping you'll do well in getting back up.

      • +1

        Have you heard back from the FOS yet?

        • They have sent an email to the broker and waiting to hear back from them. FOS has given 28 days to the broker to respond.

  • May be able to get some of it back through tax if you can treat it as a loss for CGT purposes (if you forsee that you will have CGT gains in the near future). Goes by circumstances and if not sure, could possibly request a private ruling from the ATO.

    See pg 9 onwards for treatment of CFDs:


    Cannot really come up with anything else at the moment other than to learn from bad choice and move on as usual, soz =/

  • I'm sure everyone is really interested to know how much you lost.

    If you don't mind, can you tell us?

  • +1

    I feel really sorry to hear what happened, but I don't understand how someone can lose all of his/her savings over investment. The golden rule for investing is don't put all your eggs in one basket. Especially if you are already in the 40s. If you're still in your early 20s you might be doing silly things, but at least you might not have responsibilities like paying mortgage, kids education etc and you have time on your side to recover.

    I always put "spare" money for investment. It's not much, but simply the amount of money that I put aside to ride the ups and downs of share market. Even if it's in the red, I still have my savings to go living with and I don't lose sleep over it.

    Expensive lesson OP, but next time think of a safety buffer first before you invest in anything. And remember, the higher the return the greater the risk.

  • Mate, you are not alone and you're not the first person to make a mistake. It happens.

    There is support available for people in your exact situation - why not reach out? You have nothing to lose and everything to gain.

    Free independent financial counseling : https://www.moneysmart.gov.au/managing-your-money/managing-d...

    Lifeline https://www.lifeline.org.au/

  • Diversification.

  • I can feel your pain. A close family member lost nearly all his life savings when a business venture with a 'friend' went belly up about 5 years ago. It has been a hard road to recovery, but their life is being built back piece by piece. His partner and kids have been very suppportive, and that has made a big difference. The key message is that it takes time…don't try to rush back into speculative investments, trying to win back the money you lost. That only makes it worse.

  • +2

    I've got thousands. And no family. Swap?

    Don't even bother with lifeline. Phoned twice. First time was on hold so long I gave up and hung up. (BTW. Someone at the point of suicide would have simply gone and done it.) Second time the woman was watching TV, merely "sighed" now again to "sympathsize" (as if that was going to help somehow), making me feel I was interrupting something more important on TV that she wanted to get back to.

  • +2

    Here's my tip:

    Don't regret, work hard, learn from experience, and bounce back. Remembering, that your treasure is not in money but in yourself and in the loving family/friends around.

    One day, you will look back at this and smile at it. As this will just be a part of your story in life, and a very interesting one. :)

    Meanwhile, write your next chapter the best you could. You've made it in the past, so there's no reason why you couldn't make it again today.

    Take care OP :)

  • +1

    Seek financial advice, not bargain forum advice

  • Hey mate, sorry for your loss. I will say life is far to great than any financial loss. You seem to be lucky enough to be surrounded by supportive friends/family. Also you have a decent career/ business that will allow you to recover your losses in a certain number of years.
    Talk to a financial consultant on investment management and utilizing your losses against the taxable income.
    Leave the past, make an effort to make best use of what is ahead.
    Feel free to PM me if you would like to talk.

  • +5

    The thing I like around here is; if you are poor, jobless, tight or having a temporary run of bad luck (which everyone has at some point in their life), you can still take great pleasure from buying, waiting for and using $3 LED torches, $9 printers, gadgets, gizmos, samples and the many other treasures found daily on this site. Watch a few youtube videos on people living in 3rd world countries where they have zero (and worse no chance of ever getting past zero) and suddenly things don't look so bad on the safe, warm, wealthy streets of Australia - the land of opportunity, where everyone has a 2nd chance to start over if they choose to.

    • Agreed, especially hard for me are watching videos of the chinese sweat-shop workers.
      It's basically slave labour, as their pay hardly covers costs.
      Yet, for them, it's a way out of the poverty and uncertainty of rural living.

      But.. some of the most genuine smiles I've seen have been on developing world faces.
      Perhaps because they focus on living day-to-day and must have connection, love and support with their friends/family/community to get by.. and they aren't becoming this unconnected mindless thing that only lives for facebook posts, face-stuffing, gadget-buying, xbox playing, reality tv watching, and all consuming nothingness.

      (not saying these things are on their own bad, just when they swamp your life, and become the only reason to exist.. what's the point then?)

  • +4

    Don't mean to add salt to your wounds OP, but trading securities and commodities without risk management is just plain financial suicidal - you're not alone, I have seen so many people lose their savings to this. This isn't directed at you OP, I just want to add some general advice for people who are looking to get into trading.

    Far too many people trade demo accounts (or sometimes not even at all), just buying/selling random securities and seeing the potential gain become lured in - this is not realistic! Anyone could trade a few random positions and make heaps money, BUT bear in mind this is gambling, not trading. You need to aim for consistent returns, not large profits per trade.

    Personally, for every position I trade, I cap my trades using stop loss so that if the position falls the absolute maximum I can lose is 1% - I would need to lose 100 consecutive trades to completely empty my balance. This, of course makes your account grows slower but ensures consistent growth with minimal draw downs. In the long-term, you make more money than aiming for large profits.

    For everyone here thinking of investing, seek professional investment advice first!

    Hope you get back on your feet and keep fighting, good luck with everything.

    Usual disclaimer: this is my opinion and does not constitute as financial advice.

    • how do you set stoploss with like commsec? you just manually enter another selling order after you finished the buy order?

      • it is broker specific, there should be an option when entering the position.

  • +1

    Hi mate, can I just start off with saying that I can appreciate this is a difficult situation for you and your family. At times like these it is good to talk to friends and family and eventually things will fall back into place, you just need to give it time and try not to dwell on it too much. Try and keep to your regular routine and continue to enjoy doing the things you love.
    If you ever feel like you are really struggling and feeling a bit hopeless, could I please urge you to call Lifeline on 13 11 14. They are a great bunch of listeners and they can talk through things with you.
    I hope things work out quickly for you and your family and please stay safe.

  • CFDs can be extremely brutal if you dont know what you are doing. They can be brutal even when you do! CFDs are a massive trap for new traders, the amount of leverage possible is insane, and its easy to lose more in a trade than your original investment.

  • at 40 i assume you are still working and have money coming in. Maybe you could consider making a little extra in your spare time online.

  • +1

    The only way this is going to be a real tragedy is if you let your mind slip into a bad state and then do nothing about it. I mean don't get me wrong it sucks to lose significant amounts of money and you will regret it for a long time. I have regretted a few financial decisions in my time. No major losses but enough that I could have been significantly closer to owning a home or have traveled the world several times. However, I have realised that losing the money, or losing the potential things/experiences I could have bought with that money, is really not that big of a deal. What was a huge deal was that I let it depress and stress me out. It's hard to know this before it happens to you, because you think the event (losing money) is what is making you so unhappy. It's really not the event though it is how you perceive your situation and yourself that will kill you.

    F#%^ it mate, just live your life.

    Tell your family they are motherf#%*ing awesome if they make you feel good.
    Tell the dude next door whose dog shits on your lawn to go and get f$%^ed.
    Go help some dude whose family were all killed in a Tsunami learn English so he can maybe one day afford to buy a house 1/10 as nice as yours.
    Tell your wife to learn a new technique when giving you pleasure. Then tell her that you will always make sure she is taken care of regardless of what has happened.

    Take that feeling of power to control your destiny back. losing money doesn't take it from you. You just lose sight of it when you are overcome by regret.

    • Having said that, do learn your lesson and don't lose large sums of money again =)

  • CDFs you are competing against the market markers.
    Most of the time you will lose out.
    Don't do it.

    On the bright side, you still got your health.
    Find a job, live cheap, and SAVE.

    Once you have saved up a bit, invest in properties or blue chip stocks.

  • I'm so sorry to hear that. Hope you are feeling encouraged by all the supportive posts here.

    Similar thing happened to an ex boyfriend of mine. He lost all his money gambling; he was addicted though and had a bad experience with a counsellor and now he refuses to seek any help. I'm not sure if the unconditional support his family gave him has a part to play cos they kept bailing him out so he continued and now he's even more in debt. He's a highly-educated professional too.

    Now it has just happened you may think you will never do it again but I hope in a few years' time if you are ever tempted by "easy money", please think of your family and responsibilies and remember how you are feeling now and seek help early. It's too easy to start small and before you know it it has escalated to a huge debt. All the best.

  • Mmm crap I've put about $5k on three small caps at the moment…they're currently all valued at $7k though I might just sell out….

  • if Warren Buffett thinks derivatives are "weapons of mass destruction" and he can't undertand the derivatives position on a balance sheet what makes you think they are a good bet?

    “Wall Street is addicted to derivatives trading like the masses are addicted to sports betting,” Munger tells me. “Both are counterproductive, but lucrative for their practitioners. You are talking about gambling,” he tells me in a telephone interview. “The banks are just gambling parlors with huge odds in favor of the people running them.”

    Charlie Munger

  • +2

    Let me cheer you up a little The following is proof that there is light at the end of the tunnel. One of my relatives was married to a lovely guy who enjoyed and excelled at maths. After selling their business he was introduced to option trading. He was doing so well he even mortgaged his beachfront house. After several years he was worth over 10 million dollars. Then came the GFC and the world crashed around them. He got a terminal illness and died. His widow was left homeless and penniless and in debt. Within 2 years she had declared herself bankrupt, retrained by going to university and got a job. All this was achieved despite not being in paid work force for 40 years and being 65 years old.A wonderful achievement and a tribute to another family member who provided her with a temporary home. You have the support of your family and you too will enjoy a happy future. Hang in there.

  • +1

    It doesn't matter if you've gone a bit backwards as long as you still have your family and a roof over your head. I'm down $100k on a stock but still have my job and family which is what matters the most. Sure i could have paid down the mortgage etc but i thought maybe i could use that money to have one more punt before having kids and house. Unfortunately i lost, but i take it as a training course on how not to invest. If you're ever feeling down and feel like doing something stupid, please call beyond blue. If you have a job, which sounds like you do, you'll make it back soon. I have minimal saving as well (<$5k and a few eneloops) and i'm happy as can be. I also know a few people who have lost >$50k and quit the market and went on with their lives. Think about it this way, you earned your money before on a lower salary so it'll be easier to do it again this time round!

  • +1

    Op. Y not detail everything thst happened and u learned so others dont make the same nistake??

    Id love to hear it.

  • +3

    again db318 if I can help put some perspective on your situation. Just think of it as if you chose the most expensive course at uni and you paid upfront. you are now educated. Best summed up by the quote: Experience is a hard teacher because she gives the test first, the lesson afterward. All the best.

    • I like that

  • +2

    Hey db I actually lost $160K gambling last year. I was way down and bounced back twice, and each time I was so close to the target I had set to quit, I would lose. I think it was mainly down to impatience and a bit of bad luck.

    Nobody knows the extent of my losses so I've had to keep it bottled up a bit. It is difficult to describe to anyone how you can lose so much gambling and not tell yourself to stop but chasing losses can make you place unbelievable large bets. I know gambling is so much riskier and stupider than the stockmarket but just showing that I know your pain.

    It will be a long time before I have such savings again, I feel like I wasted my life working so far, but luckily for me I am single without a family (only lucky that others weren't affected) and have learned a very expensive lesson as I thankfully haven't gambled since.

  • after reading this forum i came across this article
    it looks fitting for your situation http://www.lifehacker.com.au/2015/01/how-to-get-back-on-trac...

  • If it hasn't been said before,and even if it has, it's good to repeat for others to see

    Always diversify your investments. Combination of shares, properties, bank interest or whatever you're comfortable with

  • +1

    Wanted to show my support.

    I suspect you are feeling absolutely miserable at this point in time.

    If you are anything like me you would be brooding, unable to see anything but the problem at hand.

    I would condition myself with a brainwash,
    As this problem only exists in your mind,
    Playing over and over the story of "poor me"

    Youtube eckhart tolle, play it every free second you have. Its basically an old man talking about turning off your mind.

  • Wow that is a really sad story :|

    I guess I can only advise you to try and accept all the terrible feelings rather than fighting them because this can allow you to "move on" psychologically so to speak.

    Usually it means you will feel even worse for some period and then, almost magically, the feelings will start to lift and you will hopefully be feeling better about things and better able to think. It's hard or impossible to do this as you feel depressed. I know this might sound like terrible advice but I truly believe that sometimes we need to experience and not fight bad feelings in order to get past them. It's normal as you have suffered a severe loss.

    It's hard to start picking yourself up after a fall. I am sorry I cannot be of more help.

  • If your a casual investor/share trader - you shouldnt invest more than 25% of your savings in the market.

    Did you invest in blue chips or emerging/small caps?

  • -2

    can someone share/explaine how people made these massive losses?

    i mean, waht did they do wrong in hind sight,… what lessons did they learn, at what point did they chase their losses and were too pot comited? i really dont get it,… did yous honestly think, with just minimum experience and no formal education, that you would make lots and lots of money with no risk? or was it a calculated risk that you fully knew what you were doing? i mean have people even a basic understanding of say black jack odds, or any casion game, or were they sold of false promises to part with so much money? really does interest me what lead to people go down this path,……..

    having said that im suprised that most people had such savings in the first place to use…..

    and im talking post GFC where the market wasnt THAT bad.

    • +1

      You are betting with borrowed money on CFDs. Your exposure to the market is much larger than the amount of your initial deposit.

      • dose it really matter if its your own money or borrowed money that you have to pay back anyways? the buck still stops with you.

    • maybe it was the swiss franc thing.

  • I do feel for you and can certainly relate to your losses. I also lost 18k in a matter of two weeks during late 2007. The only good thing however out of it was that even though I lost 18k but I still had 30% of my saving left with me and I realize I should stop chasing my losses.I stopped trading after that.
    I'll say is focus on regrouping yourself, stay away from negative thoughts, start afresh and don't' go back into CFD. Money will come back into life sooner or later. All the best!

  • Sorry to hear about your story…The only opinion I have now is get a casual or part time job first so that first of all you don't feel lonely or feel useless in your house at least you can earn some saving and meet some other people. I understand that it may be tough especially when you get used to work by yourself but it still may helps.

    But can you advice what sort of investment you did to make your having such a huge loss?

    By all mean, take care and cheer up, life is tough but there are always hope.

  • +4

    Don't dwell in the past, it is destructive. Don't think about how long it will take to get your savings back. Plan on how you are going to keep the family above water and keep them happy. Money comes and goes, you only get one family. Wealth and financial security will follow.

    • well said!!

  • +1

    CFD is a funny game…Been trying the Citi-index CFD Demo …U start with $10,000…Been trading the Aussie dollar for 20 days now. At one stage i had $1000 LEFT but today i checked it and im on + $150,000….VERY RISKY GAME

  • Nothing wrong with CFDs, its just another way of leveraging - you multiply you gains and also your losses.

    The GFC was one of the best wins I made!!

  • You are also lucky it wasn't one of the worse wins you made during the GFC like a lot of people did.

    What I always tell people who ask me is that if you have money which you don't care about then go ahead and play with stocks. If you cannot afford to lose it all then don't play with stocks.

    There is plenty of other investment opportunities which have a far less risk than the stock market.

    Learn from your mistakes and move on I guess. You risked it all and lost, the higher the risk the lower the returns, you decided that the risk was worth it which is why you went into stock markets. Stop whining and start doing something about it, if you work on the weekdays then work weekends too, find another job to cover the weekends.

    Build up your wealth again! then try again! You will get there.

  • -1

    There are only 2 rules in investing
    Rule 1. Don't loose money
    Rule 2. See rule 1.

    Warren Buffett

    No point talking about your losses. Get up off the ground and jump back on your horse. Learn from your mistake.

  • Thread Revival!
    Came across this whilst researching info for trading/investment.

    Would be very keen to hear how the OP has since bounced back in 5 years!

    I think it would also be great for other people in similar situations to see there is definitely light at the end of the tunnel!

    • No idea about OP. But similar experience for me :(
      I lost sizable money, well six months salary worth money, to CFDs in the past. I can't believe I did that and still have vivid memory of that moment. The broker squared off my position as limit was reached otherwise I would have made a fortune that day.

      Learnt a valuable but costly lesson that day about patience, self-control and limiting the greed.

      To answer your question, I made a good buck from ETFs since but didn't make enough to cover that loss.

  • Thanks for bumping this thread as it’s quite timely.

    If you treat the share market like a casino then you will get gamblers odds.

    No sympathy from me if you lose all your money trading CFD’s.

    • Well said. Derivatives ARE gambling mate, against the whole market.

  • Definitely using CFDs can be a very expensive lesson (something I learnt the hard way many years back), however, with strict risk management and some basic technical analysis skills, CFDs open up a whole new way to accumulate wealth. I’ve been in the game since the days of the GFC and it really all comes back down to education. Key is to leverage up as your account and confidence grows and not use the maximum margin they provide you just for the sake of it

  • Hi, I'm so sorry to hear this. There's not a whole lot of info from your post - the first rule is don't sell a thing until you talk to a financial counsellor (this would crystallise your losses). There are free counsellors available: have a google or check the MoneySmart (run by the government). Be wary to go through government websites as I'd hate to see you go thru a dodgey site or planner. Good luck hun.

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